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Jaqueline María
The young Jaqueline María is from the region of Los Zarzales, but a year ago she moved to the region of Mojarras due to her personal life circumstances and also to gain experience as an elementary school teacher in said region. She is a young entrepreneur who has studied a career in education and despite her young age, because of her good behavior, she has become the director of the previously mentioned school.

She has finished her studies, but she still needs to submit the paperwork necessary to receive her university degree itself, which is a very expensive process. She would use the loan to pay for this expensive process, which will help her improve her social standing and thus enter a higher economic level because receiving her degree will increase her salary.

She confides in God and asks for Kiva's help through CEPRODEL to give her a loan, since without it she will not be able to achieve her dream of obtaining her university degree and increase her very modest salary.
View original language description ↓
La joven Jaqueline María es originaria de la comarca Los Zarzales pero desde hace un año se trasladó a vivir a la comarca las Mojarras por las circunstancias de la vida y por adquirir experiencia como maestra de primaria impartiendo clases en el colegio de dicha comunidad.
Es una joven emprendedora que estudió la carrera de Magisterio y a pesar de su corta edad, que por su buena conducta la ascendieron a directora de dicho centro.
Hoy en día ya terminó la carrera pero necesita tramitar su título universitario para tener un mejor nivel social y por ende un mejor nivel económico porque aumenta su salario lo cual es muy costoso por lo que necesita un crédito para llevar a cabo dicho trámite.
Confía en Dios y pide el apoyo a Kiva a través de Ceprodel para que le faciliten este crédito ya que sin ello no puede cumplir su sueño de tener su título ya que actualmente gana muy poco.

Additional Information


This loan is administered by Centro de Promocion del Desarrollo Local (CEPRODEL), one of Kiva’s larger partners in Central America. Founded in 1991 and based in Managua, Nicaragua, CEPRODEL specializes in the development and funding of housing cooperatives for traditionally marginalized communities, the provision of microfinance services to small businesses, and the promotion of innovative renewable energy projects. In addition, unlike many microfinance institutions in the area that have chosen to avoid the rural areas of the country due to the increased financial risk, CEPRODEL provides financial services to numerous clients in the agriculture and livestock industry. Supporting a borrower through CEPRODEL means contributing to the promotion and sustainability of this important work in Nicaragua.

About Nicaragua

  • $4,800
    Average annual income
  • 63
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Jaqueline María to pay for the paperwork necessary to receive her university degree.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 19, 2012
Jan 5, 2013
Currency Exchange Loss:
Jan 18, 2014